FHA VS Conventional loan programs in 2026 for Russellville, Franklin County, Alabama
In 2026, the limit for a Conventional loan in Russellville, situated in Franklin, AL, is $726,200. By contrast, the FHA maximum for a single-family home is $472,030.
Explore Lendersa®'s Conventional loan calculator for a comparison of today's best rates on Conventional, FHA, and USDA loans. This tool assists in assessing the income, credit, reserves, and documentation required to qualify. Our advanced calculator lets you view Conforming Conventional, USDA, FHA, and VA loans side-by-side, helping you make the best choice for your financial situation in AL.
Loan Limits and Down Payment Requirements for 2026 in Russellville, Franklin County, AL
Loan Type
Max Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
Applicable for zip codes: 35654
Conventional and FHA Loan Choices in Russellville, AL
Lendersa® aims to simplify securing an optimal Conventional, USDA, or FHA loan quickly. You can choose from three initial options, leading to matching lenders and loan programs.
Valley Credit Union was originally chartered as Sheffield-Tuscumbia Credit Union. On January 19, 1956, eight employees of Sheffield and Tuscumbia Board of Education petitioned the state of Alabama for a charter to provide their employees with a convenient way to save and borrow. Today Valley has grown from 22 members in their first month.
Community Spirit Bank was the town of Red Bay’s first bank. We opened with the name Bank of Red Bay on June 11, 1908 in the Red Bay Hotel. Our roots run deeper than any other business in this community. We pride ourselves on being a true community bank and serving the citizens of our communities.
CB&S Bank is a leading community Bank with over $2 billion in assets, headquartered in Russellville, Alabama. We operate 56 branches in the Alabama, Mississippi, and Tennessee markets and employ more than 500 people. We are a local, community Bank with proven success and staying power.
Bank Independent is a locally owned community Bank committed to making a positive difference in people's lives. We've served the financial needs of folks across North Alabama since 1947 and have grown to become a highly-rated and well-respected $2.1 billion Bank.
We couldn't be where we are today without our team members
First Metro Bank has planted roots in our community since 1988. We’ve helped our Neighbors raise families, open businesses, and plan for the future. It is our way of doing business that separates us from the crowd, and allows our customers to know that they are far more than just a number.
Lauderdale County Teachers Credit Union is committed to meeting the ever-changing needs of your financial well-being. Established by school employees’ – for teachers, administrators, and support staff – Lauderdale County Teachers Credit Union, for more than 60 years has been providing quality, committed service.
First Southern Bank has been helping Shoals residents with their mortgage needs for over 80 years. Whether you are buying, building, or refinancing, First Southern Bank has the right loan to meet your needs. We offer competitive rates for your mortgage lending needs.Let First Southern Bank’s mortgage loan.
Founded in 1976, the bank’s stable growth and progress for over 45 years is a reflection of the hard work and traditional values that exist in the Board of Directors, management, and staff. Our number one goal is to provide quality service that will meet all of your banking needs with the personal touch that will make you feel right at home.
Courtesy First Home Lenders was incorporated on January 29th, 2004 for the purpose of providing our community with quality mortgage products and exemplary service. After spending 23 years in all areas of the financial services industry and additional 4 years specializing in mortgage originations I felt the time was right to open a local
